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I guess you missed the bit where I was genuinely trying to offer some helpful suggestions. I assumed they probably do need both but I don't know and pretty sure any response he might make won't be ignorant either

Tough stuff to read. I'm no expert but aren't there co-ownership schemes that might help? HSBC offer 95% mortgages too but maybe the payments are out of reach.If you were to buy a property equivalent in value to where you're living now perhaps that might be affordable Could you beg, borrow or...

I project forward all my expenses at 5% p.a and then in the upcoming year I am more precise about costs so the 5% forward will change (generally down) I assume any savings (that I don't drawdown) grow at 0% (most of it in equities). It's a conservative approach (I hope) and at least it shows...